DSCR Loans in Camden County, Georgia
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
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In 2025 HMDA data, 40 lenders made 112 investment-property loans in Camden County, 0.5% of Georgia's total. Dominick Prevete arranges DSCR loans across Camden County, Georgia, qualified on the property's rent, not your tax returns. DSCR rental loans start from 7.25% (November 2026), and most close in 14 days. At HUD's fair market rent, a three-bedroom rental there covers its full payment up to a price of about $270,000.
Camden County investor market at a glance
| Statistic | Camden County | Georgia | County rank |
|---|---|---|---|
| Investor loans | 112 | 21,364 | 41st of 43 |
| Reporting lenders | 40 | 586 | 42nd of 43 |
| Loan volume | $25.8M | $5.33B | 38th of 43 |
| Average loan | $231K | $249K | 21st of 43 |
| Median loan | $215K | $205K | 18th of 43 |
| Purchases | 61.6% | 57.3% | 21st of 43 |
| Cash-out refinances | 17.0% | 17.5% | 18th of 43 |
| 2–4 unit properties | 25.0% | 10.0% | 3rd of 43 |
| Top five lenders' share | 40.2% | 18.5% | 15th of 43 |
| Reported business-purpose | 70.5% | 65.7% | 16th of 43 |
Camden County: closed-end loans on 1–4 unit investment properties. Camden County's rank is highest first, among Georgia's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Camden County's investor loans.
What stands out in Camden County
25.0% of Camden County's investor loans financed a 2–4 unit property, the 3rd-highest share of Georgia's 43 counties with published data (statewide: 10.0%).
2–4 unit properties are common here. A DSCR loan on a 2–4 unit property qualifies on the rent from all of its units.
Camden County's 112 investor loans ranked 41st of Georgia's 43 counties with published data.
Does a DSCR loan pencil in Camden County?
At HUD's fair market rent of $1,800 for a 3-bedroom in Camden County, Georgia, a rental covers its full DSCR payment up to a purchase price of about $270,000, with 20% down at the 7.25% starting rate (November 2026). Camden County's median home value is $261,400; at that price the payment is $1,728 a month, so the property would need $1,750 in rent to cover it.
At that price, the rent covers the full payment, which is the test a standard DSCR loan qualifies on.
| HUD fair market rent, 2 / 3 / 4 bedroom (FY2027) | $1,300 / $1,800 / $2,111 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $261,400 |
| Median property taxes and effective rate | $2,305 (0.88% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $1,728 |
| Rent needed to cover that payment | $1,750 |
| Coverage of a 3-bedroom at fair market rent | 1.04 |
| Highest price a 3-bedroom at fair market rent covers | about $270,000 |
| Highest price two 2-bedroom units at fair market rent cover | about $390,000 |
Fair market rent is HUD's 40th-percentile gross rent, including utilities; a property's appraised market rent can be higher or lower. Payment uses 20% down, a 30-year amortization at the published DSCR starting rate, the county's median effective property-tax rate and insurance at 0.50% of value. Purchase leverage goes up to 85% on qualifying files. This is an illustration, not a term sheet or an offer of credit.
Price your actual deal →Run Camden County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Camden County?
The most active investment-property lenders in Camden County in 2025 HMDA data were Rocket Mortgage, LLC; PrimeSouth Bank; and Fairway Independent Mortgage Corporation, out of 40 lenders that reported. HMDA doesn't flag which loans were DSCR loans, so this list mixes DSCR and conventional investment-property lenders. Dominick Prevete places DSCR loans across 100+ lenders, including one that reported in Camden County, and matches each file to the one most likely to fund it.
Camden County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 112 loans and $25.8M from 40 lenders. Rocket Mortgage, LLC led Camden County with 12 loans, 10.7% of the county's total, and the average Camden County loan of $231K compares with $249K across Georgia.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| Rocket Mortgage, LLC | 12 | $2.8M | $230K | 66.7% |
| PrimeSouth Bank | 11 | $4.1M | $371K | 81.8% |
| Fairway Independent Mortgage Corporation | 8 | $1.9M | $235K | 87.5% |
| Pineland Bank | 8 | $1.6M | $196K | 75.0% |
| Paramount Residential Mortgage Group, Inc. | 6 | $1.4M | $242K | 33.3% |
| Southeastern Bank | 6 | $1.4M | $227K | 33.3% |
| Kiavi Funding, Inc. | 6 | $1.3M | $210K | 50.0% |
| LIMA ONE CAPITAL, LLC | 6 | $1.2M | $207K | 83.3% |
| JPMorgan Chase Bank, National Association | 6 | $0.9M | $145K | 83.3% |
| LENDSURE MORTGAGE CORP. | 5 | $1.4M | $273K | 80.0% |
| Ameris Bank | 3 | $0.8M | $265K | 33.3% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 3 | $0.7M | $222K | 100.0% |
| KIND LENDING, LLC | 3 | $0.6M | $212K | 33.3% |
| HOMEXPRESS MORTGAGE CORP. | 2 | $0.6M | $280K | 0.0% |
| Renasant Bank | 2 | $0.2M | $95K | 0.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 1 | $0.4M | $445K | 100.0% |
| DEEPHAVEN MORTGAGE LLC | 1 | $0.4M | $375K | 100.0% |
| OCMBC, INC. | 1 | $0.3M | $295K | 100.0% |
| United Bank | 1 | $0.3M | $295K | 100.0% |
| Academy Bank, National Association | 1 | $0.3M | $285K | 0.0% |
| THE LOAN STORE, INC. | 1 | $0.3M | $265K | 0.0% |
| LENDINGONE, LLC | 1 | $0.2M | $245K | 0.0% |
| AMWEST FUNDING CORP. | 1 | $0.2M | $225K | 100.0% |
| NBKC BANK | 1 | $0.2M | $215K | 100.0% |
| FBC MORTGAGE, LLC | 1 | $0.2M | $215K | 100.0% |
617 Georgia loans (2.9%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Camden County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Camden County CSV, all 25 lenders
What Camden County's table can't show you: fit. Short-term financing is exempt from HMDA, so Camden County's fix-and-flip and bridge lenders barely appear among its 40 filers, and none of the 25 names above tells you whose guidelines match your deal, your entity, or your timeline. That's the job. Dominick Prevete structures your file and places it across 100+ lenders — including some on this list — so it lands with the one most likely to fund it.
Price your loan →National Loan Provider is an independent broker and maintains wholesale relationships with some listed lenders. Appearing in this table is not an endorsement or a recommendation.
Run the coverage test on your Camden County, Georgia deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Camden County, Georgia property's rent, loan, taxes and insurance to see where it lands.
Principal and interest on a thirty-year amortization, plus taxes, insurance and HOA.
Enter the rent, loan amount, rate, taxes and insurance to see the coverage ratio.
Sources
- CFPB / FFIEC HMDA Data Browser — Camden County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 40 lenders and 112 loans: 2025 HMDA loan-level data rolled up to Camden County.
- Camden County investor-lender dataset (CSV) — All 25 lenders in the Camden County, Georgia table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Camden County's 2-, 3- and 4-bedroom fair market rents in the rent math, and the 3-bedroom rent its highest-price figure uses: HUD's FY2027 figures for the Camden County, GA.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Camden County's median home value (B25077) and median property taxes paid (B25103) in the rent math, from the Census 2020–2024 ACS 5-year summary files.
- DSCR loan rates, Dominick Prevete — DSCR rental loans start from 7.25%, as of November 2026: the Instant Term Sheet's best-case scenario on the current rate sheets.